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Bitcoloan Review (2022): Should You Use It To Borrow Money?

By: Hope
By: Hope


This Bitcoloan review has been thoroughly researched with information and testimonials that are available online to anyone in the public. Any conclusions drawn by myself are opinions.

What I Liked

What I Didn't Like

Before we get into it... who am i?

Always good to put a name to a face, so firstly, my name is Hope!

Like you, I was stuck working 8-10 hour days building someone else’s dream.

I worked at one of those cool tech companies that has omelet stations for breakfast & craft beer on tap for after hours.

To a lot of people that’s a dream, but to me… something was missing.

All I really wanted, was to actually enjoy life – more vacations, less stress, buy myself nice things without worrying about the cost… but that was something my 9-5 couldn’t provide me.

That was until a few years ago when I discovered a way to make money online by actually helping real people. 

People in this case were local business owners across the US.

Me and My Puppy

The page above is an example of how I do it. That one-page site generates $1,500/mo and I haven’t even touched it since it was put up.

That’s an $18,000/year raise from just one page.

That’s why local lead generation is my #1 business recommendation for recurring, semi-passive income. If you want to learn about that business model, click here.

Important: I am not an affiliate

for Bitcoloan

Why Does That Matter?

A lot of course reviewers have no experience with any of the business models or programs they review, and so they’re just making stuff up.

They do that because they want you to click through their link to buy from the person that the review is about!

They have no clue what it’s actually like to run the type of business Bitcoloan is teaching you to do.
I have absolutely no relationship with Bitcoloan, so you can rest easy knowing that I’m going to give you my honest opinion
This review is written based on my own experiences with this business model.

All that being said, let’s jump into things.

A website called BitcoLoan serves as a middleman between two people looking to lend or borrow bitcoin.

To put it another way, the platform’s fast search function offers a seamless experience.

Is using this bitcoin loan program safe, or should you avoid it?

At the end of this review, I will attempt to answer questions related to “Is BitcoLoan legit or a scam?”

So let’s begin!

If you’re like most of my readers, you came across Bitcoloan for one main reason:

You want to make more money than you currently make by leveraging your existing resources.

Maybe you’re even looking for a quick turnaround on some of your cash instead of waiting years or even decades for it to double.

Well, you’re in good company – who wouldn’t want all of that?

There’s one thing you need to watch out for though: legitimate scammers.

The idea of making 10X on your money in a day is obviously something that would entice the masses, and so it naturally attracts a lot of bad actors into the financial products space.

But for purposes of this review, let’s assume these people had the best of intentions.

Even with the most sophisticated systems out there, most experts barely manage to get it right 10% of the time…

Obviously, there’s an argument to be made that 1 winning bet can outshine 10 losing ones…

But if you mess up and miss a trade even once, your month can turn sour pretty quickly.

Suffice it to say, there’s a whole lot of stress & uncertainty.

Now don’t get me wrong, it doesn’t mean you’re guaranteed to lose money. I’m just saying that you need to be aware of what you’re getting yourself into.

But what if you could build a different income stream, and start seeing profits within your first few days?

I’m talking about a system that doesn’t require:

  • Obsessively checking your phone and charts
  • The emotional turmoil of loss after loss, waiting for that win
  • Glorified gambling

Something that you could make anywhere from $2,000 – $10,000 with consistently, month after month?

A stream of income that you can build as high (or low) as you feel like building it, without spending every waking hour watching for alerts and pouring over charts?

If that sounds interesting, you might want to think about becoming a Digital Landlord.

If you wanna see what Bitcoloan looks like on the inside, keep reading.

What Is BitcoLoan?

What Is Bitcoloan

BitcoLoan is a platform for both those who want to lend bitcoin to others and those who are looking to borrow cryptocurrency from others.

People can borrow and lend money with BitcoLoan. Within seconds, their computers will find the best offer—loan money to pay for security and other expenses.

This isn’t a bank or another type of financial institution. Most importantly, that business assists customers in finding what they need. It establishes a connection between borrowers and lenders.

Instant crypto loans are available through BitcoLoan with rates as low as 1.5% per day.

For example, if you borrow $10 on the site, you’ll be expected to pay back $13.60 after 30 days, $18.10 after 60 days, and $23.50 after 90 days.

Due to daily interest compounding, you might pay back in 30 days… or up to 90 days.

How Does BitcoLoan Work?

How Does It Work

Since this BitcoLoan Review will show you virtually everything about the platform, here’s what goes on:

Get A Loan

Get A Loan

I believe this is the platform’s main task. No paperwork loans are available. They say you can get a loan in minutes.

Make Money (By Lending)

Make Money By Lending

You won’t be able to pay back the full amount you borrowed from the bank. Instead, you’ll pay based on the bank’s interest rate and how long it took to pack the money. The system used by BitcoLoan is the same.

BitcoLoan Affiliate

Bitcoin Affiliate

You may also earn by recommending people to the service.

“So how much do I get paid to recommend BitcoLoan members?

When you refer friends to as lenders, you will benefit from every friend’s and your friend’s invitee’s loan!

What Is BitcoLoan Compensation Plan?

BitcoLoan affiliates contribute $10 or more for a daily return.

The company’s website doesn’t disclose specifics, but one of its marketing videos does:

  • get 0.6 % everyday for 30 days, max 118 %
  • daily 0.75 % ROI for 60 days, max 145 %
  • daily 0.9 % ROI for 90 days, max 181 %

BitcoLoan affiliates may increase their daily ROI by hiring new affiliates (max 3 %).

BitcoLoan provides referral rewards on invested cash down three levels of recruitment (unilevel)

  • 8% on level 1 (personally recruited affiliates)
  • 4% on level 2
  • 2% on level 3

What Are BitcoLoan Payment Methods?

The BitcoLoan platform’s payment mechanism is mostly in cryptocurrencies. However, it is normally shown in the account as USD. The following is a list of cryptocurrencies accepted by the forum for payment.

  • Bitcoin (BTC)
  • Bitcoin Cash (BCH)
  • Ethereum (ETH)
  • a dash (DASH)
  • Litecoin (LTC)
  • The Dogecoin cryptocurrency (DOGE)
  • Tethering (USDT)
  • Monero (XMR)

What Are BitcoLoan Benefits?

Bitcoloan Benefits

Why should you join the platform?

  • You do not have to sell your cryptocurrencies. Save the value in your account.
  • Long-Term Loans: Useful for many things. Get a one-to-three-month loan.
  • No KYC: No evidence of identification or credit history is required.
  • Quick Loans: Their algorithms allow you to get a loan in less than ten minutes.
  • APR: Banks and crypto lenders provide the lowest APRs, beginning at 1.5 percent daily.
  • No Approval: Instant loans eliminate the need to wait for loan approval.

What Are The Products From BitcoLoan?

BitcoLoan offers no retail items or services, and affiliates may only market BitcoLoan affiliate membership.

What Are BitcoLoan Review Testimonials?

bitcoloan testimonials

They found a classic crypto Ponzi scheme guaranteeing daily profits up to 3%.

Older videos on BitcoLoan’s official YouTube channel were marked private. These videos certainly have Eastern European accents.

The company’s website is still up, but reviewers noting BitcoLoan’s official Facebook page has also been wiped.

BitcoLoan is said to be managed by Russian/Ukrainian con artists.

The majority of BitcoLoan victims are from the United States (18%), Russia (17%), and India (6%). This is a huge hoax, according to most Google reviewers.

How To Get A Loan On BitcoLoan?

How To Get A Loan On BitcoLoan

How to receive the platform loan:

  • Create an Account: Create a free account in a few clicks.
  • Pledge: Deposit the requested loan amount in Bitcoin.
  • Apply for a Loan: Fill out the loan application and wait for the invested funds.
  • Withdraw money to your Tether USD wallet.

Is BitcoLoan Legit? We have yet to find out, but we will at the end of the BitcoLoan review.

How Do I Apply For A Business Loan On BitcoLoan?

The processes required to get a loan via the platform are as follows:

  • Create an Account: You can create a free account in just a few clicks.
  • Make a Promise: Deposit the desired loan amount into your pledge account in Bitcoin.
  • Request For a Business Loan: Fill out the loan application and wait for the cash to be put into your bank account.
  • Withdrawal of funds: Funds should be sent to your Tether USD wallet.

How To Deposit On BitcoLoan?

To deposit, go to your Dashboard’s “Deposit” section. There will be a separate window where you may establish your own loan terms; the algorithm will identify a suitable personalized loan for you.

  • Enter the investment amount.
  • Set the loan term
  • Click or touch “Find Borrower” to choose it.

The loan will be started after the system finds a borrower.

The lowest loan amount is $10, and loan terms range from 10 to 90 days. Your profit percentage is determined by your account rating and loan length.

You are free to make as many loans as you choose. It will appear in both the Dashboard Transactions section and your account balance.

The deposit will be returned to your account after the end of the loan duration. Until the loan term is up, this money cannot be withdrawn. However, you can withdraw your daily earnings at any time.

Different terms apply to business loans. There is a $100 minimum commitment, with a loan term of 90-360 days, and profit margins may change depending on the terms of the loan. Details about certain Business loans are available on the menu.

A business loan comprises all lenders who contribute to the loan’s total and is, therefore, a group loan. Invest in this kind of loan until the full amount is raised.

You’ll see the profits from your Business loan in the Transactions area of your Dashboard. The whole investment amount is returned to your account when the loan period finishes.

To invest in a Business loan, choose the loan you want to invest in, then input your investment amount. Then click “Make A Deposit.” Daily earnings are credited to your account every 24 hours.

You may have noticed an extra profit percentage in the loan conditions. Your account rating determines this percentage.  You get a 0.01 percent for every  0.1 rating score.

Are There Alternatives To BitcoLoan?


Yes, there are plenty of other business models to choose from if you want to pursue this making money online. Here are just a few:

Is BitcoLoan A Scam?

Is It A Scam

Alright, time for the $1,000,000 question: is Bitcoloan a scam?

No, not technically. You can 100% make money with it, but it’s not NEARLY as simple as they want you to think it is.

You need to understand that you are taking a very big risk with financial products.

So while it’s entirely possible that you hit the big leagues and retire to a vineyard… the path to get there is so stressful, it might just shave a decade off your life… IF you even get there.

A friend of mine actually writes advertisements for one of the largest financial program advertisers in the world… so believe me when I say that most of the “awesome” numbers they use in their ads & landing pages are borderline false.

What they conveniently leave out are the dozens of losing bets and trades that came before the big win you’re reading about.

Now, most people don’t have the emotional bandwidth to stick out 3 months of back-to-back losses before (hopefully) getting a big win.

I’d rather use that 3 months of work (in my spare time) building Digital Rental Properties, and then collect a handful of nice little $500-$2,000 checks every single month afterward (AKA passive income).

And the cool part is that you can do it in a lot less time than 3-months (I personally did it in my first 2 weeks of being a Digital Landlord).

You can do it from anywhere in the world, so it’s a genuine “laptop-lifestyle” business.

All you need is a laptop and an internet connection.

Some of my friends are Digital Landlords that run their 6-figure businesses from:

  • Camping trips at national parks
  • Beachfront in Hawaii
  • On the road in a camper van (with a pet pig!)

They focus on living an enjoyable life first, and focus on income second. All thanks to this program

They can take weeks or months off, and money keeps rolling in.

Living happily is the top priority.

If the thought of living perpetually at your dream vacation spot interests you, being a Digital Landlord might be for you!

What Is My Top Recommendation For Making Money In 2022?

My Top Recommendation For Making Money Online

I’ve personally tried all of the major online business models:

  • I’ve traded crypto & purchased a bunch of fancy “insider stock tip” newsletters
  • I’ve sold fidget spinners through Amazon FBA
  • I’ve drop-shipped a toilet bowl putting green on Shopify
  • I’ve sold women’s health supplements via Clickbank affiliate marketing

And I made money with all of them, so trust me when I say: there is no “perfect” business model.

That being said, my #1 recommendation for making real money online is, hands-down: being a Digital Landlord.

Whether you’re a complete newbie, or you’ve been around the block before but have never had that “big win” to propel you forward, becoming a Digital Landlord is for you.


1)Time: If you’ve got a spare hour or two each day, you can do this. If you want to drop everything and go all in, you can do this. More time obviously means faster results, but even putting in a few hours per day is enough to see real success.

And because of that flexibility, you don’t need to trade your time for money. Once the income starts, it’s recurring.

That means you can take a month off, travel the country, pursue a passion project, chill on the beach, or charter a boat across the world.

But you can only do that once you’ve created an income stream that doesn’t require YOU to be there all day, every day.

2) You Own & Control EVERYTHING: When it comes to the markets, nothing is in your control. You have zero influence over market-shifting macroeconomic trends.

The number of people that have ACTUALLY beat the market consistently can be counted on one hand.
Why pour your soul into a business that you realistically have zero control over?

When you’re a Digital Landlord, you literally own all of the assets, which means you have ultimate control.

3) It’s Effectively Copy-Paste: Here’s my favorite part: once you have your first Digital Rental Property up, you can literally copy-paste another version of it and find another willing “renter” in a few days. DOUBLING your income doesn’t get much easier than that…

If you wanted to double your income in the markets, you would need to make twice as many winning trades, or double your profit on each trade. And I can guarantee you that’s a lot harder than a few clicks & a phone call.

4) Make Money Helping Real People: When you make money in the markets, you’re not really helping anyone but yourself. There is a loser on the other end of that trade.

But when you’re a Digital Landlord, you’re helping solve REAL problems that people are ASKING for help with:

Small local businesses around the world need one thing: customers. Without them, their business would fall apart. If you can provide those customers, they’re going to be really happy – and they’re going to pay you for it.

You’re helping a struggling mother or father put food on the table for their families, put their kids through college, or simply live life a little bit more comfortably.

Having this type of impact on the world is what will help you sleep soundly at night.

So, the rest is up to you. You could keep looking at other programs like Bitcoloan, which might make you money if you luck out.

You could keep researching and researching for the next few months (or few years), never making a concrete decision.

OR, you can look deep inside, think about those dreams, hopes, & desires, and make the decision to ACTUALLY make it happen, just like it has for thousands of other students before you.

Making a fortune while actually helping real people that need it.

If this sounds like you, click here to see how it all works.

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Hi, I'm Hope!

I make over $20,000/mo thanks to this platform… check it out below!